Invest with us. Invest with experience.

Meet our Trust Department

The right financial partner will help you plan for the future and manage investments with you and your family’s best interests first and foremost. No need to look further…you’ve found the right partner at ACNB Bank.

You’ve worked hard to achieve what you have, and our team of trust and investment professionals will work hard to help you achieve even more. With our high-touch, responsive approach, we’ll take time to learn your needs, goals, objectives and risk tolerance, so that we can develop a personalized financial plan just right for you. We’re local, so you’ll like our down-to-earth, neighborly service that you won’t find anywhere else. Whether you want to grow assets, prepare for retirement, or provide for future generations through estate or trust planning, we’ll strive to help you achieve your goals and dreams, and will deliver consistent, long-term results for you.

Existing clients of ACNB Bank may log in and view their trust and investment account here.

Learn more about our investment professionals may see a familiar face.

Karen ArthurKaren B. Arthur  First Vice President & Senior Trust Officer  •  717-339-5062

Karen has worked at ACNB Bank for over 15 years. She became responsible for the management of Trust & Investment Services in 2012. Karen is a lifelong resident of Adams County. In the local community, Karen serves as Trustee for The Adams County Library. In her spare time, Karen enjoys traveling, reading, volunteering and spending time with family and friends.

Mark BernierMark P. Bernier, CFA  Vice President & Trust Investment Manager  •  717-339-5178

Mark has over 15 years of investment experience. In addition to his role at the Bank, Mark serves as a board member of the WellSpan Gettysburg Hospital Foundation. In his spare time, he enjoys spending time with his wife and children, fly fishing and mountain biking.

Christy SettleChristine R. Settle  Vice President & Trust Officer  •  717-339-5058

Christy has worked for the Bank for over 23 years, most of which have been  in Trust & Investment Services. In her spare time, she enjoys reading, drawing, painting and spending time with family and friends. Christy is also an animal welfare supporter and has previously devoted her time to the Adams County SPCA.

Debra LittleDebra T. Little, ChFC®  Vice President & Trust Officer  •  717-339-5218

Deb has over 29 years of banking experience, with 26 of those years focusing on Trust and Investments. Deb gives back to her hometown by serving as Secretary for the Friends of the Guthrie Memorial Library. In her spare time, she enjoys traveling, reading, gardening and taking care of her Old English Sheepdog named Phoebe.

Daniel BaerDaniel K. Baer, CTFA  Vice President & Trust Officer  •  717-339-5157

Dan has over 13 years of trust and investment experience and is a lifelong resident of Franklin and Cumberland counties. In the local community, Dan serves as a director of the Shippensburg Area Chamber of Commerce. In his free time, Dan enjoys fly fishing, golf and spending time with family and friends.

Thomas HolmesThomas A. Holmes  Vice President & Trust Investment Officer •  717-339-5245

Tom has more than 18 years of experience in portfolio management, with the last 15 years focused on trust and fiduciary investment management. In the local community, Tom serves as a director of the Jacksonville Lions Club, is active with his church and volunteers with the United Way of Carlisle. Tom enjoys fly fishing, golf and spending time with his family. 


Please feel free to contact any of our Trust & Investment experts for more information. We are happy and ready to assist you.